{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-23-000140","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2023-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.839690+00:00","generated_at":"2026-06-08T23:46:36.205231+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Quaint Oak Bancorp reports Q3 net loss of $255K on higher interest expense; net interest margin shrinks to 2.63%","bullets":["Net loss $255K ($0.11 per share) vs net income $2.6M ($1.29 per share) in Q3 2022.","Net interest margin fell to 2.63% from 3.75% as interest expense surged 158.6%.","Non-interest income dropped 49.3% due to a 75.4% decline in gain on loan sales.","Board declared $0.13 quarterly dividend payable Nov 6; insiders purchased $580K of stock.","Non-performing assets remained minimal at 0.02% of total assets."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-23-000140","json":"https://secwatch.observer/filing/0000927089-23-000140.json","markdown":"https://secwatch.observer/filing/0000927089-23-000140.md","text":"https://secwatch.observer/filing/0000927089-23-000140.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708923000140/0000927089-23-000140-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708923000140/qnto20231031_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T23:46:36.205231+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"720e3acc7bf052fb1d9fe3e03330ed4c40448ebf","claim":"QUAINT OAK BANCORP, INC. reported third quarter ended September 30, 2023 results: net income net loss for the quarter ended September 30, 2023 of $255,000, or $0.11 per basic and diluted share.","evidence_excerpt":"On November 2, 2023, Quaint Oak Bancorp, Inc. (the \"Company\") reported its results of operations for the third quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1391933/000092708923000140/0000927089-23-000140-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Net income","value":"net loss for the quarter ended September 30, 2023 of $255,000, or $0.11 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}